Understanding Workers’ Compensation: When You’re Entitled to It
Posted on: 24 January 2024
Workers' compensation is a type of insurance that provides benefits to employees who have suffered work-related injuries or illnesses. This means that if you get injured or sick while doing your job, you may be eligible for compensation that can help cover medical expenses and lost wages. However, not all work-related injuries or illnesses are automatically eligible for workers' compensation. There are certain instances when you're entitled to it and certain instances when you aren't.
Work-Related Injuries
If you suffer an injury while performing your job duties, you're eligible for workers' compensation. For example, if you slip and fall while carrying merchandise or if you hurt your back while lifting a heavy object, you can file for workers' compensation. It's important to note, however, that pre-existing conditions that are exacerbated by your work aren't covered under workers' compensation.
Occupational Diseases
Certain jobs come with a higher risk of developing occupational diseases. These diseases are caused by exposure to harmful substances or conditions in the workplace. Examples of occupational diseases include hearing loss, respiratory illness, and skin conditions. If you develop an occupational disease due to your job, you're eligible for workers' compensation.
Repetitive Stress Injuries
Repetitive stress injuries are caused by repetitive motion or overuse of certain areas of the body. These injuries develop over time and can be caused by typing, using a mouse, or lifting heavy objects. If you develop a repetitive stress injury due to work-related activities, you're eligible for workers' compensation.
Mental Health Conditions
Mental health conditions, such as anxiety and depression, can also be covered under workers' compensation if they're caused by work-related stress or trauma. For example, if you witness a traumatic event at work and subsequently develop post-traumatic stress disorder, you may be eligible for workers' compensation.
Work-Related Car Accidents
If you regularly drive for work and are involved in a car accident while on the job, you're eligible for workers' compensation. However, if you're in a car accident during your commute to or from work, you aren't eligible for workers' compensation.
Workers' compensation can provide much-needed support for employees who have suffered work-related injuries or illnesses. If you fall into any of the above categories, you're likely eligible for workers' compensation. It's important to note, though, that the rules and regulations surrounding workers' compensation can be complex and vary by state. If you have any questions about workers' compensation or believe you're eligible for it, it's best to consult with a qualified attorney who can guide you through the process.
Learn more from a workers' compensation attorney near you today.
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